Sentences with phrase «moderate income people»

Although the justification for the lower and lower lending standards was to make housing affordable for low and moderate income people, the boom really took off when middle class Americans started using subprime loans.

Out of respect for the fact that so frequently low or moderate income people are asked to provide a level of documentation that more privileged people are not, Naropa Commuity Counseling operates our sliding scale on the honor system, asking each client to choose an amount that feels sustainable, down to only $ 30 per session.

Medicine Hat Legal Help Centre provides free legal information and advice to low to moderate income people who have a legal issue but do not qualify for Legal Aid.

Grande Prairie Legal Guidance provides free legal information and advice to low to moderate income people who have a legal issue but do not qualify for Legal Aid.

In part, this sad state of affairs is a reflection that in too many cases, our services as lawyers really have become too expensive for low and moderate income people who need them.

With detailed analysis, including legal web sites and technology of the day, Hornsby showed us how the net could be harnessed to make legal services and meaningful legal information available to moderate income people.

Yet moderate income people do not fare much better when it comes to finding affordable legal help, with very real consequences for them, the justice system, and the entire community.

The majority of low and moderate income people go without legal help, and the nationwide number of unrepresented litigants keeps rising.

Study upon study has concluded that 80 to 90 percent of low and moderate income people with legal problems are unable to obtain legal representation.

Many of these programs involve financial counseling for low and moderate income people interested in buying a home and in return, offer more lenient requirements.

«We need to take a stand if we're going to still be a community where low and moderate income people can live,» Rochford said.

The DATJ Committee endeavors to increase the availability of free and low cost legal services and legal education programs for poor, low and moderate income persons in metropolitan Denver.

Not exact matches

We also suggest reimagining the Community Reinvestment Act — which provides incentives for banks to lend to people in low - and moderate - income neighborhoods — to allow more funding to be funneled to startups.

But while there is a lot we don't know, we can identify a group of taxpayers likely to face tax increases from this proposal: people with moderate to upper - moderate incomes who take itemized deductions, like those for mortgage interest and state and local taxes paid.

The economy is more efficient and prosperous when economic resources are better distributed among the people - not equality of income, but equality of opportunity based on moderate levels of inequality (as we had during the Keynesian era.)

HomeReady ® is designed to make homeownership possible for people with low to moderate income.

Once these people have reached «moderate poverty» — average income between one and two dollars a day — then the worst is over; as long as the rich countries do not «advertently or inadvertently set snares along the lower rungs» with protectionist trade barriers and the like, these people should make steady progress, «even if it is uneven and sometimes painfully slow.»

Poor people hold more traditional values toward marriage and divorce than people with moderate and higher incomes, UCLA psychologists report in the current issue of the Journal of Marriage and Family.

As a result, Platter's expects to create 12 new full time and six part time jobs available to low - and moderate - income persons.

About 460,000 people live within a half - mile of the landings planned for the first phase, 44 percent of whom are residents of low to moderate income, according to city figures.

The Office of Community Renewal recognizes that New York's smaller communities must have an economy that encourages business development and promotes jobs for low - and moderate - income persons.

The goal of the program is to fund projects that result in high quality, full - time jobs that are well paying and provide benefits and training to low - and moderate - income persons.

Southern Tier CA$ H (Creating Assets, Savings and Hope) is an IRS sponsored Volunteer Income Tax Assistance (VITA) program, led by Arbor Housing and Development, offering free tax help for low - to - moderate income families and individuals, persons with disabilities, the elderly, and limited English speaking taxpayers who need assistance in preparing their own tax reIncome Tax Assistance (VITA) program, led by Arbor Housing and Development, offering free tax help for low - to - moderate income families and individuals, persons with disabilities, the elderly, and limited English speaking taxpayers who need assistance in preparing their own tax reincome families and individuals, persons with disabilities, the elderly, and limited English speaking taxpayers who need assistance in preparing their own tax returns.

Proponents of inclusionary zoning say it is necessary because a real estate surge in Buffalo is forcing low - and moderate - income people from their neighborhoods.

On the panel, there are several affordable housing advocates, a number of Grand Street residents who have historically resisted low income housing on the SPURA parcels and a third contingent made up of «moderates,» people who have advocated compromise in order to «get something built.»

Although extracurricular and enrichment opportunities are valuable for young people, the vast majority of low - and moderate - income children don't have access to a full measure of them.

Test scores are increasingly used to sell real estate, which means property in high - scoring districts is bid up, making those schools harder for poor or moderate - income people to access.

«Many of the measures of «health of the movement» are just that — measures of the degree to which charter schools, as a movement, are increasing in number and influence,» said Elaine Weiss, who helps lead education initiatives at the Economic Policy Institute, a think tank focused on low - to - moderate - income people.

Working people with low to moderate income levels can claim the Earned Income Cincome levels can claim the Earned Income CIncome Credit.

The mortgage loan program helps people with moderate incomes purchase homes, and housing grants can be applied toward the down payment.

It seems unfair to suggest that low - to - moderate - income homeowners are causing most of the problems with the tax credit program when it's already been established that some of the fraud occurring involves people who haven't bought homes at all.

These programs are typically for people with low or moderate income.

Earned Income Tax Credit (EITC): This credit is for working people with low - to - moderate iIncome Tax Credit (EITC): This credit is for working people with low - to - moderate incomeincome.

To make sure that its programs serve low and moderate - income people, FHA sets limits on the dollar value of the mortgage loan.

This program is designed for people with average or poor credit who earn a low to moderate income.

People with low to moderate income find it hard to save for retirement, so there's a special tax credit designed to help this particular group.

The Community Reinvestment Act (1977)-- The CRA was designed to spur more lending to low - and moderate - income neighbors, encouraging local financial institutions to meet the credit needs of the people who live there.

To make sure that its programs serve moderate and low income people, FHA sets limits on the dollar value of the mortgage loan.

Prepaid credit cards are popular with people who have bad credit or no established credit history, as well as people with low to moderate incomes.

To make sure that its programs serve low - and moderate - income people, FHA sets limits on the dollar value of the mortgage.

-- The State Housing Finance Authority in your state works with people who want to buy homes but do not have perfect financial situations — specifically with first - time home buyers and those with low to moderate incomes.

Repayment plans like IBR were created in response to yet another economic crisis to support low - to - moderate income families with their student loans, recognizing the present terms were unreasonable for so many people.

Uninsured people with lower incomes should see more drastic reductions than people with moderate or higher incomes.

NACA, a nonprofit, offers a way to home ownership for low - and moderate - income families that is based on a person's payment history, not their credit score.

NACA's confrontational community organizing and unprecedented mortgage program have set the national standard for assisting low - and moderate - income people to achieve the dream of homeownership.

There are a number of studies and findings in the attachment that illustrate problems with mandatory spay / neuter laws:  Fewer people license their pets, resulting in fewer animal control dollars and greater risk and even incidents of rabies and other diseases from animals whose owners fail to comply with licensing and vaccination requirements. The burden of a mandatory law like this falls on low and moderate income pet owners, and many will opt to surrender their pets rather than comply.

Although economic growth is assumed to be moderate, the world economy will grow to over $ 200 trillion (in year 2000 dollars) and the average per - capita income will be about $ 20,000 per year, roughly equal to current levels in Portugal or the Czech Republic, about double today's average world income per person.

Bike Easy will focus on the 7th Ward and Central City neighborhoods, and on workers in the hospitality industry, as part of their efforts to introduce bike share to low - and moderate - income people and people of color in areas where transportation options are most needed.

One of the most important things NPA found is that the fossil fuel industry has inserted prominent talking points into their messaging about the impact of the Clean Power Plan on people of color and low - to moderate - income people, while advocates of the plan tend to talk about the benefits in broad terms, rarely referencing race or communities of color.

Services provided are the 80 % of legal services that lower - and moderate - income people likely will ever need from an attorney over their lifetimes, such as family law, criminal law, estate planning, probate, small business and non-profit formation, civil litigation, and bankruptcy.